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International technology transfer (ITT) processes are complex, risky, and often fail. When financial services organisations have the opportunity to transfer their business model and core technologies to a foreign market, comprehensive research into the technology and the market is compulsory. Numerous applicable theories and models in technology transfer were reviewed to develop a comprehensive ITT model. Interviews with key individuals and focus group sessions were used to rank factors thatdoi:10.7166/20-2-760 fatcat:4ur5lnl3fnb2xfivqus3rbtfzi